Credit union · NCUA insured
Midwest Community Federal Credit Union Auto Loan Rates
Top CarrotMidwest Community Federal Credit Union auto loans start at 5.34% APR for a new vehicle and 5.91% for a used one. Rates checked October 16, 2026.
How Midwest Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Defiance, OH, where Midwest Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Midwest Community Federal Credit Union
5.34%APR
- Terms
- 61–72 months
Vehicle Loans – 2023-2026
2nd-lowest rate
Superior Credit Union
6.25%APR
- Terms
- up to 60 months
Midwest Community Federal Credit Union auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.34%
- Used vehicleUsed5.91%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Midwest Community Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Used Vehicle Loans
100% Financing of J.D. Power Value. On approved credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.91% | Applicable for model years 2019-2022. APR based on $25,000 Loan and $250 fee. Monthly payment amount per $1,000 borrowed is $19.10. |
| 61–72 months | 6.10% | Applicable for model years 2019-2022. $15,000 minimum loan amount. APR based on $25,000 Loan and $250 fee. Monthly payment amount per $1,000 borrowed is $16.46. |
| up to 48 months | 7.27% | Applicable for model years 2018-Older. APR based on $25,000 Loan and $250 fee. Monthly payment amount per $1,000 borrowed is $23.84. |
| up to 60 months | 7.17% | Applicable for model years 2018-Older. APR based on $25,000 Loan and $250 fee. Monthly payment amount per $1,000 borrowed is $19.69. |
Sources (2)
All captured Oct 16, 2026
Vehicle Loans – 2023-2026
100% Financing of J.D. Power Value. On approved credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.98% | APR based on $25,000 Loan and $250 fee. Monthly payment amount per $1,000 borrowed is $43.87. |
| up to 36 months | 5.66% | APR based on $25,000 Loan and $250 fee. Monthly payment amount per $1,000 borrowed is $29.97. |
| up to 48 months | 5.50% | APR based on $25,000 Loan and $250 fee. Monthly payment amount per $1,000 borrowed is $20.50. |
| up to 60 months | 5.40% | APR based on $25,000 Loan and $250 fee. Monthly payment amount per $1,000 borrowed is $18.87. |
| 61–72 months | 5.34% | $15,000 minimum loan amount. APR based on $25,000 Loan and $250 fee. Monthly payment amount per $1,000 borrowed is $16.11. |
| 73–84 months | 5.79% | $25,000 minimum loan amount. APR based on $25,000 Loan and $250 fee. Monthly payment amount per $1,000 borrowed is $14.37. |
Sources (3)
- midwestcommunity.org/todays-rates/loan-rates
- midwestcommunity.org/vehicle-recreational-loans
- midwestcommunity.org
All captured Oct 16, 2026
Who can join Midwest Community Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible to join if you live, work, worship, or go to school in Defiance, Henry, Fulton, Paulding, Williams, and the northern two-thirds of Putnam county in Ohio.
Family and household
- Eligible to join if a family member already has an account with Midwest Community Federal Credit Union.
Cost to join
- A minimum balance of $25 in a primary Share (Savings) Account is required for membership.
Membership information collected October 5, 2026.